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20 Francis Ct , Stafford, VA 22554
$749,900
Est. Payment: $3,928.63/mo
5 Bed
4 Bath
3878 Sqft
0.25 Acres
Status: active | Days on site: 93
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House Description

RARE 3% VA ASSUMABLE LOAN OPPORTUNITY. FULL MULTI-GENERATIONAL IN-LAW SUITE. CUL DE SAC in North Stafford Community with community pool. 5 bedroom, 4 bath home in premiere community. Concrete walkway to in-law suite from driveway with full kitchen and second laundry. This meticulously cared for upgraded Builder Home has added crown molding and shadow boxing everywhere you turn. 5-bedroom, 3.5-bath home in an unbeatable location. Quiet cul-de-sac setting, beautiful landscaping, and welcoming front porch. Updated kitchen with two tone cabinets, quartz countertops and backsplash, brand-new GE stainless steel appliances, built in pantry with pull out shelving and built in appliance lift in center island. Photos designed to show modern lifestyle. Access to rear deck off kitchen. Impressive family room with 10-foot coffered ceiling and gas fireplace. Hardwoods throughout main level. Upstairs, you'll find hardwood floors throughout, a custom oversized laundry room complete with a dog washing station, wet sink, center folding island with pendant lighting and two built-in office spaces—ideal for working from home, homework stations, or creative projects. Don't miss the laundry chute to this exceptional area too! Fully renovated bathrooms with high-end finishes, 3 bidets and LED touch screen mirrors. The fully finished walk-out basement offers incredible flexibility with its full second kitchen, full bath, and separate laundry, making it perfect for multigenerational living, extended guests, or entertaining. Concrete path from suite leads to driveway without dealing with any steps. Outside enjoy the expansive rear deck overlooking a fully fenced backyard that backs to mature trees, offering privacy and a peaceful setting for relaxing or hosting family and friends. Additional highlights include recent roof, siding, and gutters with a transferable warranty, giving buyers added peace of mind for years to come. Conveniently located just minutes from shopping, restaurants, parks, recreation, and major commuter routes, this home truly offers the best of both worlds—a quiet neighborhood setting with easy access to everything you need. VA LOAN OPPORTUNITY! Take advantage of an assumable VA loan with a rate of only 3%! Buyer must meet VA assumption requirements.

Highlights

Listed by Justin Sullivan , 7034317162 AGS Browning Realty , 5406591617. Bright MLS

Property Type

Residential

Lot/Acreage
0.25

HOA Fee

90 Monthly

Year Built

1993

County

Stafford

Neighborhood

Austin Ridge

School District

Stafford County Public Schools

Listing ID

VAST2052556

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Dishwasher, Disposal, Dryer, Exhaust Fan, Icemaker, Microwave, Oven/Range - Gas, Refrigerator, Stove, Washer
Air Cond:Ceiling Fan(s),Central A/C
Fireplaces:Gas/Propane,1 Fireplace
Floor:Ceramic Tile,Hardwood
Above Ground Sq Ft:2718
Below Ground Sq Ft:1160
Basement:Full
Other:
  • ▪ Additional:Breakfast Area, Chair Railings, Crown Moldings, Dining Area, Family Room Off Kitchen, Floor Plan - Open, Kitchen - Gourmet, Kitchen - Island, Primary Bath(s), Window Treatments, No Pet Restrictions, Pets Allowed
Water:Public

Exterior Features

Lot:Backs to Trees,Cul-de-sac,Not New Construction,Horse Property: No
Garage Capacity:2
Zoning:PD1
Roof:Architectural Shingle
Others:
  • ▪ Additional:Bump-outs, Very Good, Community Center, Jog/Walk Path, Pool - Outdoor, Tennis Courts, Tot Lots/Playground
Sewer:Public Sewer
Parking Features:Asphalt Driveway,Garage Door Opener,Attached Garage,2+ Spaces,1+ Spaces
Principal Interest
$3,929
Taxes
$391
HOA
$90

Home Price

$749,900

Loan Details

30 yrs
6.844%

Down Payment

20%
$149,980
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$3,928.63

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,928.63 $390.83 $90.00 $4,409.46
Yearly $47,143.54 $4,690.00 $1,080.00 $52,913.54
Total $1,414,306.33 $140,700.00 $32,400.00 $1,587,406.33
Lender profile image
Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Stafford, VA).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bright MLS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-11-13T23:12:42.000Z

© 2026 Bright MLS